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Editorial, Research and Support

General Insurance Council Team
- Indrajeet Singh – Secratary General
- C.R. Vijayan – Deputy Secretary General
- Pratibha Sarathy – Head - IT Member Services
- S Skandan – Consultant & Technical Advisor
- Sharad Taware – System Administrator

Published by

General Insurance Council
5th floor, National Insurance Building,
14, Jamshedji Tata Road,
Churchgate, Mumbai - 400020
Maharashtra, India
www.gicouncil.in

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Copyright © General Insurance Council
Table of Contents
  • Introduction
    ▼
    • The Indian Non-Life Insurance Industry
    • Executive Committee Members of the General Insurance Council (as of 31st March 2023)
    • General Insurance Council
    • Executive Summary
  • Part 01: Indian Non-Life Insurance Industry Analysis
    ▼
    • Section 01: Macro-Economic & Insurance Indicators
      ▼
      • 1.1 – Indian Economy Indicators
      • 1.2 – Insurance Penetration
      • 1.3 – Insurance Density in ₹ (Gross Direct Premium / Population)
    • Section 02: Statewise Penetration & Density
      ▼
      • 2.1 – Statewise Snapshot – GDPI, Economic Indicators
      • 2.2 – Statewise Penetration & Density
      • 2.3 – Heatmaps
        ▼
        • 2.3.1 – Change in Property Premium Heatmap between 2012-13 and 2021-22
        • 2.3.2 – Change in Motor Premium Heatmap between 2012-13 and 2021-22
        • 2.3.3 – Change in Health Premium Heatmap between 2012-13 and 2021-22
        • 2.3.4 – Change in Other Insurance Premium Heatmap between 2012-13 and 2021-22
        • 2.3.5 – Change in GDPI Heatmap between 2020-21 and 2021-22
        • 2.3.6 – Change in GDPI Heatmap between 2011-12 and 2021-22
        • 2.3.7 – Amount of Claims Reported 2021-22
        • 2.3.8 – Number of Claims Reported 2021-22
        • 2.3.9 – Insurance Penetration Heatmap 2020-21 & 2021-22
    • Section 03: Industry Business Highlights
      ▼
      • 3.1 – Industry Business Highlights
      • 3.2 – Industry Business Dimensions
      • 3.3 – Distribution Channels
      • 3.4 – Premium
      • 3.5 – Commission
      • 3.6 – Expenses Management
      • 3.7 – Claims
      • 3.8 – Underwriting Surplus / Deficit
      • 3.9 – Investment Income & Investments
      • 3.10 – Investment Income – Shareholders Funds
      • 3.11 – Profits
      • 3.12 – Investment Portfolio
      • 3.13 – Profits after & before Tax
      • 3.14 – Equity Share Capital
      • 3.15 – Technical Reserves
      • 3.16 – Return on Capital Employed (RoCE)
    • Section 04: Segmentwise Business Highlights
      ▼
      • 4.1 – GDPI & Policies
      • 4.2 – Rural Premium
      • 4.3 – Motor Own Damage
      • 4.4 – Motor Third Party
      • 4.5 – Health & Accident
      • 4.6 – Property (Fire + Engineering)
      • 4.7 – Marine & Aviation
      • 4.8 – Liability
      • 4.9 – Crop and Weather related Insurances
      • 4.10 – Export Credit
      • 4.11 – Other Miscellaneous
      • 4.12 – Ageing Analysis – Paid Claims
    • Section 05: Reinsurance
      ▼
      • 5.1 – Reinsurance
      • 5.2 – Net Retention Ratios and Capital Leverage
      • 5.3 – Reinsurers in India
      • 5.4 – LOB wise Business Retrocession
    • Section 06: COVID Claims Data Analysis
      ▼
      • Setup for Data Analysis
      • 6.1 – Claims Data during COVID Waves
      • 6.2 – Reported vs Settled Claims Data
  • Annexures
    ▼
    • Table 1: Investment Portfolio of Non-Life Insurance Industry
    • Table 2: Capital Employed by Type of Company
    • Table 3: Channelwise GDPI
    • Table 4: Statewise Classwise GDPI
    • Table 5: Statewise Number of offices, GDPI, Population, Literacy and State Domestic Product
    • Table 6: Non-Life Insurance Industry Data
    • Table 7: Gross Written Premium
    • Table 8: Gross incurred Claim Ratios (within India and abroad)
    • Table 9: Gross Commission Ratios (within India and Abroad)
    • Table 10: Net Retention Ratios (defined as Net Written premium divided by Gross Written Premium)
    • Table 11: Net Earned Premium Income
    • Table 12: Net Incurred Claim Ratios (defined as Net Incurred Claims divided by Net Earned Premium)
    • Table 13: Net Commission Ratios (defined as Net Commission to Net Written Premium)
    • Table 14: Gross Underwriting Experience – Industry 2013-14 To 2022-23(Overall Figures)
    • Table 15: Net Underwriting Experience – Industry 2013-14 To 2022-23 (Overall Figures)
    • Table 16: Reinsurers Premium Statement as of 31st March 2023
  • Caveat
  • Index
  • Yearbook Archives